Joanna Perry - The Loan Lady Club

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Joanna Perry - The Loan Lady Club Mortgage Brokerage, NMLS 243348
Learn More 👉 LoanLadyClub.com

XHL LLC, NMLS 2179191
Equal Housing Opportunity.

Keep the rate. Take the cash.If you have a first mortgage rate you don't want to give up, a cash-out refinance can feel ...
10/07/2026

Keep the rate. Take the cash.

If you have a first mortgage rate you don't want to give up, a cash-out refinance can feel like a bad trade. It replaces your whole loan, including the rate on the balance you already owe.

A closed-end second mortgage works differently. It is a separate loan that sits behind your first. You get one lump sum with a fixed payment, and your first mortgage stays exactly as it is.

It is not automatically the better option. A second usually carries a higher rate than a first, and it adds a monthly payment. The right answer comes from comparing both side by side, with real numbers.

The first step is a 30-minute phone consultation. There is no credit pull on that call.

Book here: https://link.theradcrm.com/widget/bookings/phone-meeting-joanna

Joanna Perry, NMLS #243348 | The Loan Lady Club, a registered DBA of Xpert Home Lending, Inc., NMLS #2179191 | California Licensed Mortgage Broker | Equal Housing Opportunity. Educational content only. This is not a commitment to lend. All loans are subject to program guidelines and underwriting.

08/18/2026

Paying $2,500 a month in rent adds up to $90,000 in three years.

That does not mean buying a home is automatically the right decision.

But if you have been wondering whether homeownership could make sense for you, I think it is worth actually looking at the numbers.

I’m Joanna Perry with The Loan Lady Club, a mortgage broker and homebuyer educator based in Citrus Heights and serving homebuyers throughout the Sacramento area and California.

When I work with a buyer, we do not start with, “How much house can you qualify for?”

We start with, “What payment actually feels comfortable for you?”

Then we look at the bigger picture.

What do you want your monthly housing payment to look like?

How much money do you feel comfortable investing into the purchase?

What loan programs may fit your situation?

What will your complete monthly payment include?

And how much money would you realistically need to get all the way through closing?

I want you to understand those numbers before you are standing in a house you love trying to decide what to offer.

The video behind this post is another part of the job I really love. I’m delivering a Homes for Heroes reward check to one of my clients after their home purchase.

For eligible teachers, healthcare professionals, firefighters, law enforcement professionals, EMS professionals, and military members, Homes for Heroes may provide additional savings when buying or selling a home.

Buying a home is a big financial decision. My job is to help you understand the financing, the strategy, and the process so you can decide what makes sense for you.

If you are thinking about buying a home in Citrus Heights, Sacramento, Roseville, Folsom, Elk Grove, or another California community, DM me “BUY.”

I’ll send you the link to schedule your 30 minute phone consultation.

We will start with your goals, your comfortable monthly payment, and the bigger picture.

Joanna Perry
The Loan Lady Club
Citrus Heights, California
Mortgage Broker | Homebuyer Education | Homes for Heroes

Most loan officers don't go to the signing.I do.Last night we signed loan documents at a restaurant patio. The notary or...
05/03/2026

Most loan officers don't go to the signing.

I do.

Last night we signed loan documents at a restaurant patio. The notary ordered himself a full meal. We had drinks. Nobody was rushing. Nobody was anxious.

That's the part I'm most proud of. Not just that it happened, but why it happened. These buyers understood every page before it was put in front of them. The process had been explained. The numbers had been reviewed. By the time we sat down last night, there was nothing left to be nervous about.

Shawn Hill negotiated $8,500 in seller credits toward their closing costs and pushed for an early close date. For first-time buyers, that changes everything at the closing table. My job is to have the file clean enough that a realtor like Shawn can do that work without the lender slowing things down.

Last night everything moved the way it was supposed to.

They held up a sign that said "I'm in the club" and they meant every word of it.

Open house today in Gold River.1839 Discovery Village Ln is a beautifully maintained single-story home in the gated comm...
04/11/2026

Open house today in Gold River.

1839 Discovery Village Ln is a beautifully maintained single-story home in the gated community of Discovery Village. Two bedrooms, two bathrooms, 1,831 square feet, vaulted ceilings, granite countertops, community pool and spa, and four minutes from everything you need.

Listed at $599,000. Open today, Saturday April 11, from 11:00 AM to 1:00 PM.

If you are thinking about buying and want to understand what your numbers look like before you walk through the door, I offer a free 30-minute educational consultation. No application, no credit pull, just clear information so you can make a confident decision.

Link in bio to schedule or learn more.

The Loan Lady Club. Where Lending Meets Education.

Joanna Perry, NMLS #243348. Xpert Home Lending Inc., NMLS #2179191. California Licensed Mortgage Broker. This is not a loan approval or commitment to lend. All figures are estimates only.

03/29/2026

What is Homes for Heroes and how does it actually work?

It is a nationwide program that gives real cash rewards back to military members, veterans, firefighters, law enforcement officers, healthcare workers, and teachers when they buy or sell a home. The reward comes from the real estate agent and the lender at closing. No gimmicks. No strings.

This is Citlali. She serves in the U.S. Army and she just bought her first home in the Sacramento area. At key delivery, we got to present her with her Homes for Heroes reward check, pop some ch*****ne, and celebrate the way she deserves.

As a Homes for Heroes affiliated lender based in Orangevale, California, I personally contribute toward that reward at closing. Paired with a participating real estate agent like Mayra Gomez, Realtor DRE 02080019, the cash back is real and it shows up on closing day.

If you or someone you know serves our community, I would love to walk you through how this program works and what it could mean for your home purchase.

Joanna Perry, NMLS 243348
The Loan Lady Club. Where Lending Meets Education.
loanladyclub.com

Escrow is one of those mortgage words that gets used in two completely different ways.“We opened escrow” (the home purch...
02/20/2026

Escrow is one of those mortgage words that gets used in two completely different ways.

“We opened escrow” (the home purchase timeline at the title company).

“Your escrow account” (the monthly impound bucket for taxes and insurance).

Most buyers only hear the word, not the definition. Then a letter shows up later about an escrow adjustment and it feels like a surprise bill.

Here is the clean way to think about it:
If you are impounded, you are making one monthly payment, and part of that payment is being set aside for property taxes and homeowners insurance. The money is still yours, it is just earmarked for those bills.

If you want, comment ESCROW and I will send you a quick checklist of what changes escrow, and what does not.

If you are early in the process, Step 1 is a structured 30 minute phone consult. Link in bio.

Joanna Perry | The Loan Lady Club | NMLS 243348

This is real life.Messy. Authentic. Committed.And I wouldnt have it any other way.
12/08/2025

This is real life.

Messy. Authentic. Committed.

And I wouldnt have it any other way.

💬 “Joanna consistently goes above and beyond for her clients and partners, always putting people over profit.”Relationsh...
11/18/2025

💬 “Joanna consistently goes above and beyond for her clients and partners, always putting people over profit.”

Relationships like this are the heart of what I do. I’m grateful for every referral partner who trusts The Loan Lady Club to take great care of their clients from start to finish.

Whether it’s a first-time buyer, a family upgrading their home, or a veteran using VA benefits — collaboration and communication make all the difference.

Thank you, Cullen, for your partnership and your kind words. 🤝

✳️ Joanna Perry | The Loan Lady Club | NMLS #243348
đź’» www.loanladyclub.com

11/15/2025

Every pre-approval tells its own story.

Some letters look fine on the surface, but the real strength shows up when the offer hits the table. That’s where my work starts — checking the details, catching what others ignore, and making sure my clients walk in with confidence instead of stress.

When I say I “protect the family,” this is part of it. Clear guidance. Honest feedback. Solid prep work.

Because buying a home is huge, and you deserve someone who treats it that way.

If this hits home, share it. A strong pre-approval can save someone’s entire deal.

đź–¤ Joanna Perry | The Loan Lady Club | NMLS #243348
Sacramento • Placer • El Dorado • Yuba • Yolo • San Joaquin • Stanislaus



11/13/2025

đź’› Kindness starts at home.

A simple thank-you, a helping hand, or even a smile can turn someone’s day around.

Today we celebrate World Kindness Day 2025 — a reminder that compassion is powerful, and the smallest gestures can make the biggest impact.

Let’s spread a little more light in our homes, our neighborhoods, and our world. 🌍💛

✳️ Joanna Perry | The Loan Lady Club | NMLS #243348
đź’» www.loanladyclub.com

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Orangevale, CA

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+19167088555

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